Our Story

Many mutual insurance companies tell you how you will be protected; detailing policies and practices put in place to provide the best coverage they can offer.

At HD Mutual, we show you.

Everything we do is deeply rooted in a commitment to safeguarding our communities. Far beyond customer service, we pride ourselves on customer centricity and making insurance better. This means keeping people at the core of everything we do – our purpose, passion, and possibilities are all created by and for the people of HD Mutual. 

Backed by over 160 years of dedicated service and expertise, we have formed a community of over 30,000+ protected members and policyholders. As industry leaders, our focus is on being the most trusted, reliable, and innovative mutual insurance company – setting and constantly raising the standards of what you should expect from your insurance provider.  

At HD Mutual, we are more than just an insurance company. We protect your family, your future, and what’s important to you.

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Our Legacy is our Future

On January 1st, 2024, Halwell Mutual and Dumfries Mutual united to form Halwell Dumfries Mutual Insurance Company: introducing our members to a new era in insurance excellence. Let us show you what we can do.